How to Use Cardless Withdrawal

Once a transfer is done, the Recipient will receive a secure code via SMS to perform the cardless withdrawal at any Maybank ATM Machines in Malaysia without requiring an ATM Card.

Follow Steps Below To Initiate a Cardless Withdrawal

Step 1

Login to Maybank2u, click on Transfers and proceed to Cardless Withdrawal.

Click Open Cardless WithdrawalStep 2

Please key in your recipient’s mobile number. Please ensure the phone number is correct or you will send the money to a wrong person. Write recipient’s name and amount of money.

The maximum amount is RM 300 per day. Only 2 transaction is allowed for the same recipient mobile number.

There is a charge fee of RM 1 for every Cardless Withdrawal transaction.

Please click Continue button to proceed.

Step 3

Request a TAC number. Enter TAC and click confirm upon verifying the details.

Step 4

Status of transaction will be displayed. The Recipient will be notified via SMS of transfer of funds together with a transaction.

You will receive an SMS with a withdrawal code that needs to be informed to the Recipient. So just send a Whatsap or sms the withdrawal code to the recipients.

How to withdraw cash at the ATM?

Your recipient will receive SMS regarding your transfer and transaction ID. Again, you need to send to the Recipient Withdrawal code by yourself. Its not auto send by Maybank.

The Recipient only have 24 hours to cash the money at any Maybank ATM.

Step 1

First, go to any Maybank ATM. Make sure the Recipient have both code to cash out the money. Press any button on ATM machine menu or keypad. Select the language, then select Cardless Withdrawal from the main menu.

You can make a real time fund transfer for a flat service that cost RM 10 to more than 200 countries. However you can send money for FREE /waived from 4 November till 31 December 2014.

You can send to any overseas issued Visa cards worldwide. However, M2U Visa Direct is not available to Visa cards issued in only 8 countries i.e.

Colombia

Cuba

Iran

Israel

USA

Sudan

Syria

Venezuela.

Too bad USA is on the list, since a lot of Malaysian students are studying there. As for businessman you can always find other alternatives such as Singapore to buy your product. As nowadays, regional agent will take care all enquiries from ASEAN countries.

2) Declaration and Terms and Conditions. This is Bank Negara Foreign Exchange Administration Rules, so you have to declare either you are Resident with or without Domestic borrowing. Click Agree to Terms and Conditions then click Accept.

3) Next step, you have to declare purpose of transferring the money abroad. Such as

i) Transferring to a Resident for Investment Abroad

ii) Transferring to Non Resident for Investment Abroad

iii) Education

iv) Empoyment

v) Payment to Immediate family members

4) Key in recipient’s Visa Card number and name and click continue

5) On this next screen, please key in amount in USD or Malaysian Ringgit that you want to transfer. Bare in mind there is a transfer limit.

6) Request for TAC and key in your TAC code and click confirm and you are good to go.

* Notice that the Exchange Rate that bank charge is quite high 3.5397 as ringgit value is falling.

** Also you can see the Fast Fund Status on the screen.

Fast Fund – within 30 minutes

Non fast fund – within 2 working days

M2U Visa Direct Features

M2U Visa Direct Service is 24 hours x 7 days except during Maybank2u maintenance hours. Just make sure you have enough money in your Maybank account.

You can almost make a transfer on a real time directly to overseas Visa debit, credit and prepaid card accounts to more than 200 countries. The beneficiary has the option to use the funds directly at participating Visa merchants or cashing it out. No “hidden cost ” to beneficiary to receive the money.

My 2 cents

M2U is convenient and cheap way to send money to overseas. You don’t have to go to the bank to fill in forms and wait for your number like Telegraphic Transfer or Western Union.

However, due to the currency rate for Ringgit is worsening right now maybe its not the best time to send your money abroad.

What is SSM e-Info Company Watch

SSM e-Info Company Watch service is a service that allows you to monitor either your competitor, business partner, an investment or potential investment information. This service will provide you with any new information or changes in address, directors, managers, company secretary, share capital and shareholding, etc. You will be notified thru email service.

The question now, how bad do you want to know about your competitor or future investment informations ?

I had this one interesting experience with my previous company that i worked before. We were working on this new project to supply ship’s equipment for major shipyard in Lumut. Business and Technical Proposal were prepared for submission. Suddenly the management of this shipyard requested us to submit our proposal to a new company.

This company were not even related to shipping industries. We were quite disappointed because all preparation has been made. I did some research on this new company using SSM e-Info Company. We were quite surprise to find out that the shareholder of this new company is actually the same director of the Shipyard. Maybe they are channelling fund to this new company, I am not sure. The point here is that when you got extra information, you can plan your next move.

In my opinion, if SSM can provide your email service to notify when new information of your targeted company updated, its really a good deal. There are 2 type of package offered :

1 ) Company Watch Basic

– Email will be sent to you when your targeted company information has some changes. Then, you will decide either to purhcase the updated information from SSM e-Info. You can save money and time using this type of service.

2) Company Watch Premium

– With Company Watch Premium, you will be also alerted by an e-mail that a change or changes has been made in the information od the compnay that you targeted with an email attachment. Email attachment will consist of information that has been updated in pdf format. This type of service is suitable for you if that new piece of information is really critical.

That extra information is like a secret weapon to you. You will know if your future Joint Venture partner is lying or not about his/her company. For me, honesty and trust are the key factor to be successful in business.

Easy to Pay

SSM provided an easy subscription plan on www.ssm-einfo.my , just sign up and login your id and password. You will be guided on how to subscribe. Payment can be made via credit card or pre-paid account.

Google Mobile Friendly Site

There are a few reasons why Google decides to tag website to be mobile friendly or not. Nowadays, smart phone, phablet , tab and iPad are getting faster and have so many apps. So, user love to search any information on their smart phone or tab.

Unfortunately, a lot of user have to scroll wide to see the content and links are too close to each other with websites that are not mobile friendly. So Google decided to punish website that are not mobile friendly. Punish is a quite a harsh word, but Google now started to value more website that is more mobile friendly. So website that is not friendly with mobile display will be demoted.

Plus, by being mobile friendly, Adsense links can be displayed more properly and can boost site owner and Google Income. That is might be second reason.

I believe this is a Win-Win situation for site owner and Google. We just have to please the user.

My website initially failed Google Mobile Test due to :

Content wider than screen

Links so close together

Uses incompatible plugins

Fail Mobile Test Google

So I did some research on how to ensure my site is Google Mobile friendly.

3 Tips to Ensure Your Site is Google Mobile Friendly

1 – First, you can follow what Google tell you to do. This to make sure GoogleBot will detect your site as mobile friendly.

Avoids software that is not common on mobile devices, like Flash

Uses text that is readable without zooming

Sizes content to the screen so users don’t have to scroll horizontally or zoom

Places links far enough apart so that the correct one can be easily tapped

For WordPress, you can find a lot of free responsive themes on WordPress Theme browser.

3. Use WPtouch Mobile Plugin that will create a slick mobile WordPress website with just a few clicks.

Having said that, some plugin as Jetpack is not compatible for Google Mobile test. That is why my site lankapo.com failed the test even though i use responsive theme.

WPtouch is a mobile plugin for WordPress that automatically enables a simple and elegant mobile theme for mobile visitors of your WordPress website.

The administration panel allows you to customize many aspects of its appearance, and deliver a fast, user-friendly and stylish version of your site to your mobile visitors, without modifying a single bit of code (or affecting) your regular desktop theme.

By using WPTouch Mobile Plugin, it will ensure your website pass the Google Mobile Test. Below is how my site look like when using Wp Touch Mobile plugin on Samsung Note 2.

RM 3 Millions to be given away

#Maybank returns with a new campaign with more than RM 3 Millions to give away when you shop with Maybank Credit Card. This campaign start from 1 October 2014 till 31 January 2015. You have 4 Months to spend with Maybank Credit Card.

# You can spend on petrol, groceries, dining and everything else paid off. No minimum spend required, all you have to do is just follow the steps below!

How To Participate

REGISTER to participate via SMS DAILY (space) 12-digit NRIC Number to 66628.
SPEND on everything with Maybank Cards.
GET Cashback up to 100% everyday.

83 person per day will be Lucky

# The maximum cash back you can receive is RM 9,000 per month. Since Cashback is capped at RM 300 per day. But there is no guarantee you can get the cash back as maximum Maybank will pay back per day is RM 25, 000. So there will be 83 lucky person to get RM 300 Cashback each.

# This campaign only valid for principle card holder only so you can keep your Debit Card. All supplementary cards’ spending will be consolidated under the principal card’s account but only principle card holder will be counted.

# Since this Cashback is first come, first serve basis, RM 300 limit per card holder and RM 25, 000 per day by Maybank. We therefore advise you to make your online purchases on the first week of the month. Good Luck 🙂

Hello dropboxers, How is your storage ? What , 2GB is not enough. Of course. That is why I want to provide you today with new tip on how to earn 1Gb free more. Its easy,just download Mailbox app to your android or iOS and sign in using your Dropbox account. Once you login successfully, you will earn 1 GB of free space for your Dropbox. Easy as that.

Available for iPhone, iPad, and Android. Add all your Gmail, Google Apps, and iCloud accounts to enjoy a simple, unified inbox.

What I Like about Mailbox Simple and clean design. As for now you can only add gmail and cloud mail only. I believe they will add more acc in the future. I use my primary google acount. I can swipe to archive, to read later or pick the right time to read certain email just by swiping. UI of mailbox quite nice and most importantly no ads. (more…)